Apply for Canada Student Loans - Apply

3. Apply

Once you have verified you are eligible for a Canada Student Loan and that you have not exceeded your lifetime limit for student financial assistance, you are ready to apply for your student loan.

Step 1: Get a Canada Student Loan and Grant application form

Only one form is needed to be assessed for loans and grants.

Application forms are available:

Step 2: Complete the application form

Complete and send your application form for federal and provincial student assistance to your province or territory of permanent residence. You can speed up the process by submitting it online.

Application procedures by province/territory

Application procedures are based on your province of residence, not the province or territory where you plan to go to school.
  • If you are permanent resident of Ontario, British Columbia, Saskatchewan, New Brunswick or Newfoundland and Labrador
    • Complete one application form and submit it to your province of permanent residence.
    • You are assessed for both federal and provincial student loans and grants.
    • You may be eligible to receive one loan: a combination of federal and provincial student loans.
    • You manage and repay your student loan through the National Student Loans Service Centre (NSLSC).
  • If you are permanent resident of Alberta, Manitoba, Nova Scotia or Prince Edward Island
    • Complete one application form and submit it to your province of permanent residence.
    • You are assessed for both federal and provincial student loans and grants.
    • You may be eligible to receive two loans: one from the Government of Canada and the other from your provincial government.
    • You manage and repay your loans through two loan providers: the NSLSC Web site for your Canada Student Loan, and your provincial government's student financial assistance office or their service provider for your provincial loan.
  • If you are permanent resident of Yukon
    • You apply for a Canada Student Loan through Yukon Student Aid.
    • You are assessed for both federal and territorial grants as well as a Canada Student Loan.
    • You manage and repay your student loan through the NSLSC.
  • If you are permanent resident of Northwest Territories, Nunavut or Quebec
    • You apply to your province or territory of permanent residence for student loans.
    • Canada Student Loans and Canada Student Grants are not available. These jurisdictions operate their own student loan programs, which are partly funded by the federal government.
    • You manage and repay your student loan to your province or territory of permanent residence.

Note: You must re-apply for a Canada Student Loan every school year. If you do not apply for financial assistance during one semester or year of study, your school must complete Confirmation of Enrolment information in person or electronically.

Step 3: Check your mail or email for your Notice of Assessment

Your Notice of Assessment will tell you if you qualified for a loan and grant. You may receive it through the mail, online or by email.

If you qualified:

  • You may receive a Master Student Financial Assistance Agreement (MSFAA) if you have not previously completed one. You must read, sign and return it to the NSLSC along with your banking information.
  • Part-time students will receive 2 separate documents:
    • Certificate of Eligibility Part-Time Student Loans and Grants; and
    • Canada Student Financial Assistance Agreement for Part-Time Students.

If you are not approved for funding or you are not satisfied with the approved amount:

  • Contact the student financial assistance office in your province or territory. There is a formal reassessment process for students who disagree with the financial assistance they have been awarded. Amounts can be reassessed according to your province or territory's own criteria, and those of the federal government.

Step 4: Review your loan documents and confirm enrolment with your school

If you are approved for full-time funding, you must review your Master Student Financial Assistance Agreement (MSFAA):

  • Your MSFAA is a legally binding contract, it is important that you review it carefully and read the terms and conditions.
  • Check your personal information to make sure it is correct. If not, contact your provincial or territorial student financial assistance office.
  • Include your banking information and a void cheque if you want your money to be deposited directly into your bank account.
  • The MSFAA is a multi-year agreement. This means the next time you apply for student financial assistance, you won't have to sign and submit a new MSFAA. Just complete and submit an application through your province of residence and wait for your Notice of Assessment to come in the mail or online.

Step 5: Sign your student loan documents

Make sure you fully understand your responsibilities and commitments before signing. Your loan agreement is a legal document and your signature means you agree to be bound by its terms and conditions.

Once you are sure that all the information is correct and you have read and accepted the terms and conditions, sign your agreement.

Step 6: Submit your loan documents

Submit your completed and signed MSFAA.

Bring the following identification to a Canada Post outlet:

  1. A valid photo identification issued in Canada by the federal, or a provincial or territorial government, such as:
    • a valid driver's license;
    • a passport;
    • a provincial health card with a photo;
    • a permanent residency or citizenship card;
    • a certificate of Indian status;
    • a federal or provincial employee identification card; or
    • a Record of Landing accompanied by an expired Permanent Residence Card.
  2. A document proving that the Social Insurance Number (SIN) on your loan or grant documents is yours. For example, you can show your SIN card or present an official Government of Canada document that has your SIN on it, such as:
    • a Canada Pension Plan Statement of Contributions;
    • a Confirmation of Social Insurance Number from Service Canada; or
    • a temporary SIN card.
  3. Your signed MSFAA. Do not forget to attach a void cheque or fill out your banking information.

Step 7: Confirm your enrolment

Before you can receive your student loan and/or grant money, your school must confirm you are enrolled at a designated post-secondary institution. Upon receipt of your signed MSFAA, a Confirmation of Enrolment should then be completed electronically on your behalf, otherwise you will be contacted to have one completed.

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